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Facing a critical illness is the worst part of anyones life. Critical illness can become worse if we don't pay appropriate attention. Arranging for funds to treat critical illness may prove costly as the treatment costs are high. To secure yourself and your family from such conditions a person needs a critical illness insurance plan that provides the required coverage during hard times.
A critical illness insurance plan is designed specially to meet the needs of a critically diagnosed person. This insurance plan provides coverage and protects your savings as well. Under this insurance plan you will get quality treatment at an affordable price.
Complete Protection: This insurance ensures that the insured gets comprehensive protection. This coverage includes hospitalization expenses and related essential expense. The policy will help the insured in getting quality treatment on time. There are several expenses which occur during hospitalization and this plan will help you deal with them.
Cover For Groups: This insurance policy provides wider coverage in groups as well that includes employers, members of registered service clubs, shareholders, teachers etc.
It is a very helpful plan. We all know that dealing with a critical disease is really hard in today's world. This insurance policy provides the maximum coverage and will be there to support the insured in every possible way. A person should buy this insurance plan for complete safety and peace of mind.
Cashless Coverage: This insurance policy provides the required coverage with cashless facility as well. The benefit of this feature is that the insured does not have to pay anything during hospitalization. The insurer will pay for all the expenses on the behalf of the insured.
Wider Coverage: This plan offers the widest coverage, which means that it covers maximum diseases and expenses incurred during their treatment. There are several additional benefits that a person will get on having this insurance plan and will come to know about them during the policy period. The diseases that are covered under this policy are cancer, renal failure, coronary artery diseases requiring bypass surgery, major organ transplant, paralytic cerebral stroke as well as accidental injuries resulting in loss of limbs.
There are few diseases which are not liable for any coverage, such as any pre exisiting diseases. Any medical treatment due to a pre existing disease during the first 120 days of commencement of insurance cover is not covered
Any expense for treatment related to Human T-Cell Lymphotropic Viruses Type II (HTLV-III) or Lymphadinopathy Associated Viruses (LAV) or their distorted derivatives or variations, any syndrome or situation of a similar kind referred to as AIDS are not covered
Cost of Treatment for diseases that occurs because of drug addiction or alcoholism are exempted from coverage